What does FIN SERV mean on my credit report?
Learn about FIN SERV, an creditor offering loans for financial assistance. Check the impact to your credit report and financial status.
What is FIN SERV?
FIN SERV is shorthand for FinServ Consulting LLC, with the company name being FinServ Consulting LLC Inc
FIN SERV is a Creditor provider. They could be on your report for a number of reasons, for example:
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⚫ You missed a repayment.
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⚫ You opened an account with FinServ Consulting LLC.
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⚫ You opened a credit card / loan / mortgage with this company.
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⚫ Someone fraudulently opened a credit line under your name.
About the account
The account is classified under the following METRO2 categories:
- ⚫ Auto Loan
How do I contact them?
Here is the current contact details for FinServ Consulting LLC:
Address:
- New York City Office: 8 Herald Square, 71 W 35th St Suite 407 New York, NY 10001
Website:
Email:
Phone:
Payments
There are many ways to make a payment - online, over the phone, through a mobile app, and more. You can also use a variety of methods to make your payment, including credit and debit cards, prepaid debit cards, wire transfers, and checks or money orders. There may be discounts available for automatic payments, and there may be penalties for late or missed payments.
| Question | Answer |
|---|---|
| Do they offer a monthly payment plan? | No |
| Can I make payments over the phone? | No |
| Can I make payments online? | Yes |
| Do they offer a discount for automatic payments? | No |
| Can I make a payment using a mobile app? | Yes |
| Can I make a payment using a prepaid debit card? | No |
| Can I make a payment using a wire transfer? | Yes |
Forgiveness and Cancellation
There are three main types of student loan forgiveness: cancellation, discharge, and repayment programs. You may qualify for student loan forgiveness if you teach in a low-income school, work in certain public service jobs, or join the military. You can also consolidate your loans to lower your monthly payments or qualify for loan forgiveness.
| Question | Answer |
|---|---|
| Do they offer loan consolidation? | No |
How to Apply
You can apply for a loan online, over the phone, or in person. You may also be able to apply for a loan using a mobile app. You may be able to apply for a loan with a cosigner.
| Question | Answer |
|---|---|
| Can I apply for a loan online? | Yes |
| Can I apply for a loan over a phone call? | No |
| Can I apply for a loan in person? | No |
| Can I apply for a loan using a mobile app? | No |
IdentityIQ Report Example
- This is an example of what this creditor will look like on your IdentityIQ report.
Will this affect my credit score?
Whether this account affects your credit score depends on a variety of factors, such as:
- Account Open Date: If you opened this account recently it will impact your credit, the only way to prevent this from impacting your credit score is to remove the account from your report.
- Derogatory Markings: If this account has any derogatory markings such as:
Lates, Charge Offs, Collections and others.
However, there are could be some potential positive aspects to this account which could lead to improving your credit score, such as:
- Account Age: If your account is quite old, then the age of it will positively impact your credit score
- Repayment History: If the account has no
Late Payments, Charge off Payments, then it may reflect a positive impact onto your credit score.
Can it be removed from my credit report?
Yes, with the right strategy, you will be able to remove any account from your report. But you have to be careful to ensure that the account is negative to begin with, or it will negatively impact your credit score.
However, removing a negative account will positively impact your credit score, allowing you to open new credit lines and potentially removing bad debt.
How do I remove FIN SERV from my credit report?
You can send a dispute letter to the credit bureaus to remove this account from your report. You must send a dispute letter to all three credit bureaus, as they are legally required to remove the account from your report if it is found to be inaccurate. For best results you should send a dispute letter to the credit bureaus via certified mail, this will ensure that you have a legal record of the communication.